NC Upset Bid Calculator
Calculate the minimum upset bid and required deposit for any North Carolina foreclosure sale. This tool follows NC General Statute § 45-21.27.
Calculate Your Upset Bid
How Upset Bids Work
In North Carolina, after a foreclosure sale, there is a 10-day upset bid period where any party can submit a higher bid. Each new upset bid restarts the 10-day period.
Minimum Bid Increase
Under N.C.G.S. § 45-21.27, the minimum raise is:
- 5% of the current high bid
- Or $750, whichever is greater
Required Deposit
You must deposit 5% of your new upset bid amount (not the raise), with a minimum of $750 — cash, certified check, or cashier's check payable to the Clerk of Superior Court.
Where to File
Mecklenburg County Clerk of Superior Court
Special Proceedings Division
832 East 4th Street
Charlotte, NC 28202
Phone: (704) 686-0400
Important Deadlines
Upset Bid Period: 10 days from sale or last upset bid
Filing Hours: 8:30 AM - 5:00 PM, Monday - Friday
Note: Bids must be received before 5:00 PM on the last day of the upset period.
Disclaimer: This calculator is for informational purposes only and should not be considered legal or financial advice. Always verify requirements with the Clerk of Court and consult with a licensed attorney before making any bids.